Colorado Spring, CO · Charter 64340
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
12
Profitability
31
Liquidity
82
Efficiency
5
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Colorado Spring, CO · Charter 64340
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.39% | 0.41% | 0.34% | 0.41% | 0.45% | -0.13% | -0.35% | -69 bps | |
| Return on Equity | 4.17% | 4.26% | 4.56% | 3.59% | 4.53% | 4.60% | -1.36% | -3.74% | -732 bps | |
| Net Interest Margin | 4.85% | 4.86% | 4.80% | 4.88% | 4.53% | 4.88% | 4.47% | 4.50% | -38 bps | |
| Efficiency Ratio | 86.07% | 85.92% | 87.48% | 91.40% | 90.85% | 91.20% | 102.22% | 106.26% | +1,486 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.06% | 0.92% | -0.49% | -5.80% | 4.84% | -2.64% | -0.79% | 3.47% | +927 bps | |
| Loan Growth (YoY) | 11.92% | 6.89% | 6.18% | 3.66% | -6.70% | -10.80% | -12.30% | -15.56% | -1,922 bps | |
| Share Growth (YoY) | -2.74% | 0.73% | -0.96% | -6.55% | 4.92% | -3.42% | -1.29% | 3.55% | +1,010 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.23% | 0.88% | 2.02% | 0.73% | 1.34% | 1.22% | 1.29% | 2.25% | +152 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.90% | 1.82% | 1.83% | 1.84% | 1.87% | 1.99% | 2.23% | 2.45% | +61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.12% | 9.17% | 8.98% | 9.60% | 9.11% | 9.87% | 9.41% | 9.38% | -22 bps | |
| Net Worth / Assets | 9.12% | 9.17% | 8.98% | 9.60% | 9.11% | 9.87% | 9.41% | 9.38% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.87% | 78.35% | 73.66% | 78.30% | 70.13% | 72.36% | 65.44% | 63.85% | -1,445 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Colorado Spring, CO · Charter 64340 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.35%
Rank 1,557 of 1,683
Net Interest Margin
4.50%
Rank 331 of 1,683
Efficiency Ratio
106.28%
Rank 1,592 of 1,682
Equity / Assets
9.37%
Rank 1,454 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.35% | 0.35% | 0.74% | 1.18% | Beats 7% | 1,557 / 1,683 | ||
| Return on Equity | -3.75% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,581 / 1,681 | ||
| Net Interest Margin | 4.50% | 3.31% | 3.82% | 4.32% | Beats 80% | 331 / 1,683 | ||
| Efficiency Ratio | 106.28% | 68.91% | 78.20% | 86.93% | Beats 5% | 1,592 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.26% | 0.26% | 0.65% | 1.29% | Beats 12% | 1,484 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.37% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,454 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.37% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,454 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.84% | 52.61% | 69.38% | 83.50% | 41st pctl | 1,001 / 1,683 | ||
| Loans / Assets | 57.60% | 44.71% | 59.18% | 70.72% | 47th pctl | 897 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||